Insurance • ACA Health Coverage

Health coverage with every subsidy you deserve.

Marketplace enrollment for individuals, families, and the self employed: plans compared honestly, premium tax credits maximized, and a licensed agent on your side all year.

  • Maximize premium tax credits
  • Compare every carrier and network you qualify for
  • Zero cost help, before and after enrollment
NPN 16261381 Licensed in All 50 States 20+ Carriers Compared
Krystal Londono, licensed insurance broker
Krystal LondonoNPN 16261381 • All 50 States

Enrollment, Handled End to End

Eight things I do that healthcare.gov will not.

Marketplace Plan Comparison

Side by side review of every plan you qualify for, scored on real coverage versus real cost.

Subsidy Qualification

Income calculated correctly so you capture the maximum premium tax credit you are owed.

Family Coverage

Whole household plans that keep pediatricians in network and premiums in budget.

Self Employed Coverage

Purpose built guidance for 1099 earners and small business owners.

Special Enrollment Periods

Life changed? I confirm your qualifying event and get you covered without waiting for fall.

Doctor & Rx Verification

Your providers and prescriptions checked against every plan before you commit.

Tax Credit Reconciliation

Marketplace forms handled correctly at tax time, by the person who filed your enrollment.

Year Round Support

Income changes, new baby, moving: your plan gets updated, not abandoned.

The Tax Strategist Advantage

Your subsidy is a tax number. I speak tax.

ACA premium credits are reconciled on your tax return. When your enrollment agent and your tax preparer are the same person, the number is right twice: at signup and at filing. That combination is rare, and it is exactly what you get here.

  • Income estimated correctly at enrollment, so no clawback in April
  • Form 1095-A reconciled by the person who set up the plan
  • Mid year income changes reported before they become problems
  • Self employed premium deductions captured on the return

Pick Your Time

Book your free 15 minute ACA consultation.

No pressure. Just straightforward guidance on plans, pricing, and the subsidies you actually qualify for.

Common Questions

Answers, Before You Even Ask

What is ACA health insurance?

Coverage purchased through the Affordable Care Act marketplace. Plans cover essential benefits, cannot deny you for pre existing conditions, and most households qualify for premium tax credits that cut the monthly cost dramatically.

How do premium tax credits work?

Subsidies are based on household income and size. Estimate too high or too low and you either overpay all year or owe money at tax time. As both your enrollment agent and a tax strategist, I set this number correctly from day one.

Can I enroll outside of Open Enrollment?

Often, yes. Losing coverage, moving, marriage, a new baby, and income changes can all open a Special Enrollment Period. Ask before you assume you have to wait until November.

Does using an agent cost me anything?

No. My help costs exactly zero and your premium is identical with or without me. The difference is having a licensed professional compare plans, check your doctors, and answer the phone all year.

Will my doctors and prescriptions be covered?

We verify before you enroll, not after. I check your providers and medications against each network and formulary so there are no January surprises.

I am self employed. What are my options?

The marketplace is usually the best value for 1099 earners and small business owners, and premiums may be deductible. As your tax strategist I make sure the health plan and the tax return work together.

Ready to Protect What Matters Most?

Free guidance, straight answers, and options from 20+ top rated carriers. No pressure at any step.

Licensed in all 50 states • NPN 16261381 • 16+ years of experience